Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$11,176Not just lender fees.
Before credits & paid funds$11,176The complete starting cash picture.
Estimated remaining funds due at closing
$11,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$85,097.81
Your down payment$0.00
Closing costs + prepaids$11,175.89
Total buyer cash needed$11,175.89
Remaining funds due$11,175.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$447.50
Initial HOA (3 months)$417.00
Prepaid interest, first (2 days)$86.39
Fees + prepaids$11,175.89
Your down payment is the seller’s equity. You take over the $485,098 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $11,175.89 is due at closing. Not a Closing Disclosure.